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Car Insurance for Eighteen Year Olds

Important facts to know...
  • Car insurance is a compulsory law, meaning it is required, for almost every driver in the United States
  • At the age of eighteen, purchasing your car insurance and maintaining an active policy is something you may need to be taking into consideration
  • Although you may be an adult in the eyes of the law, insurance companies will often view you as a child when it comes to your lack of experience behind the wheel; a lack of experience is often considered a high-risk situation
  • When purchasing coverage at such a young age, you will normally encounter high premium amounts that will be used to offset any potential losses you claim
  • Remember that your driving record and your previous insurance history are both reviewed when you buy coverage; a poor record or history could lead to difficulty obtaining a policy

At the age of eighteen, having active car insurance is not only the responsible way to operate, but it’s a mandatory requirement in almost every state.

Although you may be an adult in most legal circumstances at eighteen, you may have a long way to go before your insurance carrier considers you an adult; your lack of experience doesn’t disappear overnight.

Acquiring car insurance at such a young age means you need to do your homework and understand what’s expected of you and what your policy offers and covers.

If you are 18 and looking for the best auto insurance rates, start comparison shopping by entering your ZIP code above!

Purchasing Car Insurance At Eighteen

When you acquire your car insurance at eighteen, one of the primary benefits is the ability to select coverage that meets your needs.

Selecting your own coverage also provides you experience when it comes to navigating through the terms and conditions of an insurance policy as well as experience working with an insurance carrier. You may also be able to gain valuable budgeting experience.

It’s important to remember that there may be negatives to this path, such as the higher insurance costs associated with young, inexperienced drivers.

These high costs may also be associated with a poor driving record or a lackluster insurance history, both of which can be difficult to offset without a history of better driving choices or lower risk factors.

You Should Expect Increased Premiums

At such a young age, any policy you are listed on is likely to experience an increased in premium costs to offset the potential losses you may claim.

This increase is backed by years of statistics and research that insurance carriers perform, research that shows how younger, inexperienced drivers often file more claims and are involved in more losses.

Over time, these premium costs may begin to drop as you gain experience behind the wheel, show yourself to be responsible for managing your policy, and avoid filing claims unless they are entirely necessary.

Many insurance carriers will review your policy on an annual basis, and as you continue to prove yourself, they will begin to adjust your costs accordingly.

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Your Driving Record and Insurance History Are Factors

Your driving record, combined with your insurance history, are two big pieces of a picture that show your insurance carrier more about who you are.

At the age of eighteen, you may not think there is much for them to see, but a poor driving record or insurance history can follow you for many years after an incident is recorded.

Your driving record lists any citations, violations, or ticketed incidents that have occurred.

A high record or number of these incidents can be a red flag to an insurance provider, so it’s crucial that you take steps to avoid these types of situations when possible.

Additionally, your insurance history lists your previous interactions with insurance carriers, your claims, and even information about previous claims.

This record can provide your potential or current carrier with an idea about what kind of policyholder you may be, as well as any potential red flags they should watch out for.

A high amount of claims or losses can be another red flag, which may signal a large amount of future payouts for a provider.

Looking at Your Options Before Deciding

Purchasing car insurance at eighteen is not the only option available. It’s important to remember that there are alternative options available to you, such as staying on your parent or guardian’s policy.

Depending on your personal situation, it may not always be an option to remain on your parent or guardian’s policy when you turn eighteen.

If this is your case, you may have another trusted adult with a more established insurance history you can speak to.

If they are willing, you may be able to join their policy and take advantage of their increased history of responsible driving and low-risk behaviors; this can help to offset the costs that may be associated with your lack of experience.

Conclusion

Purchasing car insurance at the age of eighteen can be an enlightening experience, providing you with insight into how the insurance world truly works.

Learning how to function in tandem with your insurance carrier is an important step into adulthood, and it’s something that you will likely need to understand for future relationships with insurance carriers.

Before you decide to purchase an insurance policy of your own, it’s important to understand the potential benefits and potential negatives that can arise from being eighteen and inexperienced.

You will often encounter higher premium costs associated with this, and it can be difficult to find an insurance carrier that is willing to work with you on coverage that meets your needs.

It will take some time to prove that you are a responsible and low-risk driver, meaning these consequences will be something you must deal with until you’ve proven yourself to your carrier.

Additionally, your driving record and insurance history can both be factors that can adversely affect your policy, so make sure to keep both of them free of claims and violations if possible.

If you have concerns or questions about obtaining coverage, speak to any potential insurance carrier before purchasing coverage.

If they are unable to offer a policy that meets your needs, you may want to consider looking at other carriers or alternative options.

Start comparison shopping today for the best auto insurance rates by entering your ZIP code below!

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